Our Super Checking account gives you the basics, with no minimum balance requirements. You’ll enjoy the technology and expertise of a larger bank with the personalized service of a community bank.

Ready to get started with a straightforward checking account?

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Visit our branch locations

Our services include:

  • Easy account setup: It’s simple to set up your Howard Bank account. Come into a branch and walk out with a debit card that day. 
  • Convenient ATMs and branches: Our checking accounts give you surcharge fee-free access to more than 32,000 MoneyPass® ATMs nationwide. You can also stop in at one of our branches throughout Baltimore and its surrounding counties. Find a branch near you.
  • Online and mobile banking: Your Super Checking account comes with access to free online banking and mobile banking. We offer paperless statements (eStatements), free online bill pay, card controls, custom account alerts, and mobile deposit*. Transfer money online between accounts, add your card to our Mobile Payment options (Apple Pay™, Google Pay™ and Samsung Pay™) or send money to another person with Zelle®. 
  • One-on-one customer service: When you call us, you’ll reach a real person. Our experts personally follow through to resolve your questions help make course corrections.

Ways to avoid the $2 monthly maintenance fee:
Sign up and keep your account enrolled in eStatements




We've consolidated everything down into four easy steps in our Howard Bank Switch Kit (yes, it's a fillable PDF). As with everything, we will guide you through everything you need for better banking. 


*3rd party message/data rate may apply

Minimum opening deposit is only $50. Other fees such as non-sufficient funds, overdraft fees, etc. may apply. See fee schedule [PDF] for details.